The scapula forms the back of the shoulder girdle. In humans, it is a flat bone, roughly triangular in shape, placed on a posterolateral aspect of the thoracic cage.
Term life insurance with a return of premium rider allows the owner to get his or her money back at the end of the contract period. The return of premium rider allows the owner to cancel the policy and get back a portion of the paid in premiums. Of course, this optional rider has pros and cons, which we explore next.
Permanent life insurance policies may offer cash value on top of the death benefit. Cash value is money that you can take out and spend while you are alive. Depending on your insurance company, you may also receive dividend payments on your permanent policy.